Paid Breakdown v's free breakdown cover

Joey the lips

Hi Folks.

I have be with a breakdown assistance provider for a while now.

I have recently bought a new car and it comes with 3 years breakdown assistance. My insurence policy and my wifes insurence policy has also a breakdown cover built in

My question to you today is with all the cover being provided is it worth actually paying for breakdown cover...

In other words why pay for it if its free...

VinnyTGM

Why have 3 of the same thing??

Joey the lips

VinnyTGM wrote: »

Why have 3 of the same thing??

This is what i am asking I suppose has anyone experience of both. I called my current breakdown provider last month and there answer was "well ours is more professional. You are covered not the car. Sometimes the cover provided by insurence policies only tows you off the road...

Has anyone any experiences of both....

VinnyTGM

Yes but the car comes with its own 3 year breakdown assistance, so if something happens its up to the garage who sold you the car to sort it.

Joey the lips

VinnyTGM wrote: »

Yes but the car comes with its own 3 year breakdown assistance, so if something happens its up to the garage who sold you the car to sort it.

Eye...thank you but your focusing on one car. I am trying to gague if its better to go with paid or unpaid.

We also drive a 05 ford focus diesel and i dont want the other half being stranded if i am in work

At the moment where i am at is if with free breakdown if my car does breakdown and its full of kids will they get the kids and me home or to the nearest town to make provision.

stryker mcqueen

Joey the lips wrote: »

Hi Folks.

I have be with a breakdown assistance provider for a while now.

I have recently bought a new car and it comes with 3 years breakdown assistance. My insurence policy and my wifes insurence policy has also a breakdown cover built in

My question to you today is with all the cover being provided is it worth actually paying for breakdown cover...

In other words why pay for it if its free...

Strike the free insurance one off straight away ....they're rubbish

The free cover u got with the car is restricted to that car only , which suits some people and not others , could be perfect for u if you only really drive this car .there are also exclusions such as , running out of fuel , road traffic accidents etc

The cover your paying for is covering you in any car . So even if your just a passenger in your mates car and it breaks down you can use your cover

mickdw

The new car comes with a decent level of cover so that should be fine. The question really should be only related to the cover your insurer offers on the other car & the best way to answer this is to ring them or get the details from the policy. I would try to cancel the rescue cover on the insurance of the new car if there is a small charge for it aand then look into what type of cover your wife has through insurance. If you are not happy with it, well then buy a package yourself

Joey the lips

stryker mcqueen wrote: »

Strike the free insurance one off straight away ....they're rubbish

The free cover u got with the car is restricted to that car only , which suits some people and not others , could be perfect for u if you only really drive this car .there are also exclusions such as , running out of fuel , road traffic accidents etc

The cover your paying for is covering you in any car . So even if your just a passenger in your mates car and it breaks down you can use your cover

mickdw wrote: »

The new car comes with a decent level of cover so that should be fine. The question really should be only related to the cover your insurer offers on the other car & the best way to answer this is to ring them or get the details from the policy. I would try to cancel the rescue cover on the insurance of the new car if there is a small charge for it aand then look into what type of cover your wife has through insurance. If you are not happy with it, well then buy a package yourself

The 05 is with quinn direct and the policy seems ok. All the driving in this car is local between drogheda and dublin so I imagine if she broke down on the outskirts of drogheda they would drop her into town where as if she broke down on the outskirts of dublin they would drop her to dublin.... Family is in dublin

So as you say the question is really the benefits to the breakdown cover provided with the quinn policy...

For the record the new car now has toyota cover and axa cover

stryker mcqueen

Joey the lips wrote: »

The 05 is with quinn direct and the policy seems ok. All the driving in this car is local between drogheda and dublin so I imagine if she broke down on the outskirts of drogheda they would drop her into town where as if she broke down on the outskirts of dublin they would drop her to dublin.... Family is in dublin

So as you say the question is really the benefits to the breakdown cover provided with the quinn policy...

For the record the new car now has toyota cover and axa cover

you could add your wife onto your own membership and she would then be covered in any car too .....i presume were talkin about the AA ?? if so it costs 50e per year for her but if your already into your year you'll be charged pro rata

Joey the lips

stryker mcqueen wrote: »

you could add your wife onto your own membership and she would then be covered in any car too .....i presume were talkin about the AA ?? if so it costs 50e per year for her but if your already into your year you'll be charged pro rata

Correct... She is on my membership at the moment but my thinking is this...

I currently pay 150+ per month for myself and the wife with the aa. Does this make sense or is it the equiv of the insurence you buy with an applience...Generally useless.

especially considering at the moment i have

3 years toyota cover
free cover on my polict

she has
Free cover on her policy

So really on the 05 which is only a work car is it worth it for us to pay the aa

Am i making sense....

VinnyTGM

So your spending just shy of 2 thousand a year for aa cover that you will probably never use, unless your car breaks down every week, then I don't see the point in having it.

stryker mcqueen

Joey the lips wrote: »

Correct... She is on my membership at the moment but my thinking is this...

I currently pay 150+ per month for myself and the wife with the aa. Does this make sense or is it the equiv of the insurence you buy with an applience...Generally useless.

especially considering at the moment i have

3 years toyota cover
free cover on my polict

she has
Free cover on her policy

So really on the 05 which is only a work car is it worth it for us to pay the aa

Am i making sense....

i get ya ....well its like this , The AA are huge , been around for years , lots of patrols on the road .....lets say she breaks down in the focus ...the AA will be there withing 44 mins 80% of the time , a mechanic will turn up , diagnose the problem , if he can fix it he will there and then , if not she will be towed to a approved garage already knowing exactly wat needs to be fixed .

now the insurance company will more than likely send out a recovery truck , driven by a recovery truck driver , who will tow the car to their garage and the labour costs begin trying to diagnose whats wrong ..which could leave you with a hefty bill , where if its something simple like a dead battery it would be replaced on the roadside by the AA.

stryker mcqueen

VinnyTGM wrote: »

So your spending just shy of 2 thousand a year for aa cover that you will probably never use, unless your car breaks down every week, then I don't see the point in having it.

i presume he meant 150e a yr

VinnyTGM

stryker mcqueen wrote: »

i presume he meant 150e a yr

That would be more reasonable, I don't know how you could justify 150e a month :eek:

Joey the lips

stryker mcqueen wrote: »

i presume he meant 150e a yr

Yes my apologies... 150 a year... it was late when i wrote that but thinking of it another way. its half my house insurence.

useless

stryker mcqueen wrote: »

Strike the free insurance one off straight away ....they're rubbish

Not necessarily. I broke down in the South East on a Sunday afternoon earlier this year and rang the insurance co. from the side of the road. They had a man with a truck out to me in 30 minutes, he put the car on the back of the truck & asked me where did I want him to bring it, (the garage in Dublin), so the 2 of us headed off there, dropped the car off, and he dropped me home. No cost to me- and no additional cost in my insurance either, I made sure with the insurance co. that my call to the breakdown service wouldnt affect my NCB or my premium.
Cant see what more you'd want a breakdown company to do really.

Only problem would've been if I'd had the wife and kids with me-the recovery truck had only 2 seats & the driver told me he wouldnt have been covered by his insurers to carry passengers in the broken down car on the back of the truck.

Anan1

stryker mcqueen wrote: »

now the insurance company will more than likely send out a recovery truck , driven by a recovery truck driver , who will tow the car to their garage and the labour costs begin trying to diagnose whats wrong ..which could leave you with a hefty bill , where if its something simple like a dead battery it would be replaced on the roadside by the AA.

If it's a new car then it'll be under warranty. The assistance co will drop out a replacement car, and return the OP's car when it's been repaired, FOC.

stryker mcqueen

Anan1 wrote: »

If it's a new car then it'll be under warranty. The assistance co will drop out a replacement car, and return the OP's car when it's been repaired, FOC.

he already said its 2005

John Mason

i have free breakdown cover with my insurance so i got rid of the paid cover.

i have to say i have better responses with the free cover. i might have just got the AA people (paid cover) on a bad.

yesterday, the OH was driving and he got a flat and couldnt get the wheel off, the breakdown people were within 30 mins with a lump hammer to knock the wheel off.

on my old car, the fan belt went. they towed me home and came the next day to replace it, and only charged me 8.00e - happy days

i dont see the point in paying for it when i have it for free